Honolulu, HI · Charter 7521
Q3 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.11% | -0.07% | 0.11% | 0.09% | 0.10% | +20 bps | |
| Return on Equity | -1.01% | -0.68% | 1.00% | 0.82% | 0.86% | +188 bps | |
| Net Interest Margin | 1.85% | 1.93% | 2.17% | 2.16% | 2.29% | +43 bps | |
| Efficiency Ratio | 106.59% | 101.75% | 90.89% | 93.78% | 92.82% | -1,377 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.12% | -7.20% | -7.53% | -4.75% | -7.38% | -326 bps | |
| Loan Growth (YoY) | 12.65% | 29.38% | 40.92% | 34.09% | 22.88% | +1,023 bps | |
| Share Growth (YoY) | -4.48% | -7.93% | -8.31% | -5.39% | -8.41% | -394 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.44% | 0.35% | 0.87% | 0.86% | +81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.28% | 1.16% | 1.10% | 1.12% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.47% | 10.68% | 10.84% | 10.88% | 11.38% | +92 bps | |
| Net Worth / Assets | 10.47% | 10.68% | 10.84% | 10.88% | 11.38% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.27% | 22.67% | 23.67% | 24.19% | 25.85% | +658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |